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8 Ways to Save Money on Date Night

Whether you’re cozying up on the couch together with a bottle of wine or headed out to the trendy restaurant everyone’s talking about, date night is an essential part of most relationships.

“Date nights are important because they give new couples a chance to get to know each other and established couples a chance to have fun or blow off some steam after a rough week,” says Holly Shaftel, a relationship expert and certified dating coach. “Penciling in a regular date can ensure that you make time for each other when your jobs and other aspects of your life might keep you busy.”

Finding ways to spend less on date night can be easy if you're willing to be creative.

There’s just one small snag. Or, maybe it’s a big one. Date nights can get expensive. According to financial news website 24/7 Wall St., the cost of an average date consisting of two dinners, a bottle of wine and two movie tickets is about $102.

When you’re focused on improving your finances as a couple, finding ways to spend less on date night is a no-brainer. But you may be wondering: How can we save money on date night and still get that much-needed break from the daily grind?

There are plenty of ways to save money on date night by bringing just a little creativity into the mix. Here are eight suggestions to try:

1. Share common interests on the cheap

When Shaftel and her boyfriend were in the early stages of their relationship, they learned they were both active in sports. They were able to plan their date nights around low-cost (and sometimes free) sports activities, like hitting the driving range or playing tennis at their local park.

One way to save money on date night is to explore outdoor activities.

If you’re trying to find ways to spend less on date night, you can plan your own free or low-cost date nights around your and your partner’s shared interests. If you’re both avid readers, for example, even a simple afternoon browsing your local library’s shelves or a cool independent bookstore can make for a memorable time. If you’re both adventurous, check into your local sporting goods stores for organized hikes, stargazing outings or mountaineering workshops. They often post a schedule of events that are free, low-cost or discounted for members.

2. Create a low-budget date night bucket list

Dustyn Ferguson, a personal finance blogger at Dime Will Tell, suggests using the “bucket list” approach to find the best ways to save money on date night. To gather ideas, make it a game. At your next group gathering, ask guests to write down a fun, low-budget date night idea. The host then gets to read and keep all of the suggestions. When Ferguson and his girlfriend did this at a friend’s party, they submitted camping on the beach, which didn’t cost a dime.

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The cost of an average date consisting of two dinners, a bottle of wine and two movie tickets is about $102.

– Financial news website 24/7 Wall St.

To make your own date night bucket list with the best ways to save money on date night, sit down with your partner and come up with free or cheap activities that you normally wouldn’t think to do. Spur ideas by making it a challenge—for instance, who can come up with the most ideas of dates you can do from the couch? According to the blog Marriage Laboratory, these “couch dates” are no-cost, low-energy things you can do together after a busy week (besides watching TV). A few good ones to get your list started: utilize fun apps (apps for lip sync battles are a real thing), grab a pencil or watercolors for an artistic endeavor or work on a puzzle. If you’re looking for even more ways to spend less on date night, take the question to social media and see what turns up.

3. Alternate paid date nights with free ones

If you’re looking for ways to spend less on date night, don’t focus on cutting costs on every single date. Instead, make half of your dates spending-free. “Go out for a nice dinner one week, and the next, go for a drive and bring a picnic,” says Bethany Palmer, a financial advisor who authors the finance blog The Money Couple, along with her husband Scott.

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4. Have a date—and get stuff done

Getting stuff done around the house or yard may not sound all that romantic, but it can be one of the best ways to save money on date night when you’re trying to be budget-conscious. And, tackling your to-do list—like cleaning out the garage or raking leaves—can be much more enjoyable when you and your partner take it on together.

5. Search for off-the-wall spots

If dinner and a movie is your status quo, mix it up with some new ideas for low-cost ways to save money on date night. That might include fun things to do without spending money, like heading to your local farmer’s market, checking out free festivals or concerts in your area, geocaching—outdoor treasure hunting—around your hometown, heading to a free wine tasting or taking a free DIY class at your neighborhood arts and crafts store.

“Staying creative allows you to remain flexible and not bound to simply doing the same thing over and over,” Ferguson says.

6. Leverage coupons and deals

When researching the best ways to save money on date night, don’t overlook coupon and discount sites, where you can get deals on everything from food, retail and travel. These can be a great resource for finding deep discounts on activities you may not try otherwise. That’s how Palmer and her husband ended up on a date night where they played a game that combined lacrosse and bumper cars.

Turn to coupons and money-saving apps for fun ways to save money on date night.

There are also a ton of apps on the market that can help you find ways to save money on date night. For instance, you can find apps that offer discounts at restaurants, apps that let you purchase movie theater gift cards at a reduced price and apps that help you earn cash rewards when shopping for wine or groceries if you’re planning a date night at home.

7. Join restaurant loyalty programs

If you’re a frugal foodie and have a favorite bar or restaurant where you like to spend date nights, sign up for its rewards program and newsletter as a way to spend less on date night. You could earn points toward free drinks and food through the rewards program and get access to coupons or other discounts through your inbox. Have new restaurants on your bucket list? Sign up for their rewards programs and newsletters, too. If you’re able to score a deal, it might be time to move that date up. Pronto.

8. Make a date night out of budgeting for date night

When the well runs dry, one of the best ways to save money on date night may not be the most exciting—but it is the easiest: Devote one of your dates to a budgeting session and brainstorm ideas. Make sure to set an overall budget for what you want to spend on your dates, either weekly or monthly. Having a number and concrete plan will help you stick to your date night budget.

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“Staying creative allows you to remain flexible and not bound to simply doing the same thing over and over.”

– Dustyn Ferguson, personal finance blogger at Dime Will Tell

Ferguson says he and his girlfriend use two different numbers to create their date night budget: how much disposable income they have left after paying their monthly expenses and the number of date nights they want to have each month.

“You can decide how much money you can spend per date by dividing the total amount you can allocate to dates by the amount of dates you plan to go on,” Ferguson says. You may also decide you want to allot more to special occasions and less to regular get-togethers.

Put your date night savings toward shared goals

Once you’ve put these creative ways to save money on date night into practice, think about what you want to do with the cash you’re saving. Consider putting the money in a special savings account for a joint purpose you both agree on, such as planning a dream vacation, paying down debt or buying a home. Working as a team toward a common objective can get you excited about the future and make these budget-friendly date nights feel even more rewarding.

The post 8 Ways to Save Money on Date Night appeared first on Discover Bank – Banking Topics Blog.

Source: discover.com

What Is A Blog, How Do Blogs Make Money, & More

What is a blog and how does it work? Can you really make money blogging? How much do bloggers make?

Over the years, I have received many questions about blogging. People want to know what is a blog, how they work, is it really a way for people to make money, and so on. 

I completely understand all of the questions. While blogging has now been around for more than a decade, it’s still a fairly new way to earn money. I still have people give me funny looks when I tell them what I do for a living.

But, I didn’t really know what a blog was when I first started mine. I had absolutely no idea what I was doing.

I didn’t know how people made money from blogs or anything else like that.

Pretty much everything I learned about blogging was through trial and error, and I made a lot of mistakes over the years, haha! Honestly, it’s because of those mistakes that I’m where I am right now.

My life has completely changed because of blogging. I was able to quit a job I didn’t love, I travel full-time, and I can retire pretty much whenever I want. 

It’s funny to think about how far I’ve come, especially since I had no idea what blogs even were.

Back then, I also never realized that you could learn how to earn money blogging. I don’t think I even looked into it because that was never my goal when I first learned how to start a blog. I certainly never thought blogging would drastically change my future, but I’m so glad I gave it a shot.

I had so many questions when I started my blog, and I learned 99% of what I know the hard way – by making mistakes.

I know that many new bloggers probably have some of the same questions I had because I receive hundreds of emails a day from readers asking how to start a blog, how to make a living through blogging, and more.  

Today, I’m going to help you by answering some of the most common questions I receive about blogging.

Some of the questions I talk about include:

  • Is 2021 too late to start a website/blog?
  • How do I come up with a blog name?
  • What blogs make the most money?
  • How do you design a blog?
  • How many views do you need to make money blogging?
  • How many blog posts should I have before launching?
  • How do I get my blog noticed by Google?
  • How long until a blog makes money?
  • How do blogs make money?
  • How do bloggers get paid?

I know that blogging can seem scary in the beginning, but remember that most other bloggers were in the exact same place you were when they started.

Blogging, just like any other hobby or job you start, takes time to learn what you’re doing. You have to do research, read about what other people have done, and learn as you go.

For some people this can be frustrating at first, but good things always do take time.

Blogging isn’t as easy as it looks from the outside. Even the most successful bloggers still spend time learning how to do new things. I am constantly signing up for new courses and learning from other people.

Even though it takes time and can feel difficult, blogging is something you can do. You can earn money blogging so that you can work towards living the life you want. 

One of the reasons I love blogging so much is that you can do it all on your own time. You don’t have to learn everything at once. You can start your blog and grow it at your own pace.

While there is no 100% guarantee that you will be able to earn a full-time living by blogging, I know many bloggers who are full-time and are very happy with it.

Content related to what is a blog:

  • 12 Free Resources To Grow Your Blog Fast
  • How I Successfully Built A $1,000,000+ Blog
  • How To Quit Your Job And Become A Full-Time Blogger

What is a blog? And your other top questions about blogging.

 

What is a blog?

Before we begin, I want to go over what is a blog definition and some other basic blogging questions.

A blog is a website.

Google’s definition of a blog is, “a regularly updated website or web page, typically one run by an individual or small group, that is written in an informal or conversational style.”

A blog is content that is written on a website. It usually consists of articles, like the one you are reading right now.

What is a blog used for? Blogs can vary from person to person. 

You may create a blog to journal, to teach on a topic, to sell something, to tell a story, and so on. There’s no exact rules about what your blog has to be used for.

What is a blog post? Blog posts are individual entries on a blog. Blog posts usually include text, but they can also have photos, videos, infographics, and more.

An example of a blog post is what you’re reading right now. There is a title, its own URL (that’s the web address), and text where I share in depth information.

 

Is 2021 too late to start a website/blog?

No, it’s not too late, and you haven’t missed out.

The online world is still so new, and each year there are new ways to monetize and grow your blog.

For example, it wasn’t until the past few years that companies and advertisers started realizing the value of online influencers, such as bloggers, and that means even more opportunities to earn money blogging.

Before that, companies mainly wanted to advertise with celebrities, but it is shifting to bloggers and other online influencers (such as Youtubers and Instagrammers!).

The online world is a huge place and it is just going to keep growing. Every blogger earns a living in slightly different ways, and everyone has a different message and story. Plus, there are so many different ways to earn money blogging, and the options have continued to change and grow since I started blogging.

Of course, because the blogging world keeps changing, there will constantly be new things for you to learn, but that will probably always be the case for managing any kind of business.

So, if you are thinking about starting a blog, today is the day. Don’t let your fears hold you back any further! You can find my free How To Start a Blog Course here.

 

How do I come up with a blog name?

Deciding on a name for your blog is probably one of the hardest parts of blogging.

Even if you know exactly what you want to blog about and have some articles written, deciding on your blog’s name may be stopping you from actually creating your website and launching it.

I don’t remember how I came up with Making Sense of Cents, but I’m glad I did. It is still catchy, and I receive compliments on it to this day.

Coming up with a blog name shouldn’t lead to stress, so here are my tips for deciding on a blog name:

  • Make it easy. My blog name isn’t the easiest for people to spell, and even I sometimes jumble it when I’m spelling it. So, my top tip would be to make sure that your blog name is easy for people to type or spell out loud. I’ve seen blog names that are extremely long, contain words that are difficult to spell, and so on. Instead, you should make it as easy as possible for your readers to find you.
  • Think about what you’ll be writing about. Think about the topics you want to write about, who your target audience is, and more, and then jot down descriptive words that are related to each. Brainstorming like this is a good way to come up with a blog name!
  • Use a thesaurus to find similar words. If your first or second choices are taken or if you want to see if there are some catchier sounding blog names, using a thesaurus can help you with some new ideas.
  • Make it catchy. You may want to think of something funny, use alliteration, or something else to make your blog name catchy and memorable.
  • Use your name. If you don’t want something catchy and/or if you think you’re not creative enough, then just use your name. It’s super easy that way, and more and more people are starting to do this. 

See, creating a name for your blog can be easy!

 

What blogs make the most money?

There are many different types of blogs that make money, and you can monetize nearly any kind of blog.

So, how do you determine what to write about?

There is no right or wrong answer to this question. I always recommend creating a blog around a topic that you are passionate about, that you are an expert in, that you like, or something else along those lines.

This can make blogging feel fun instead of like a chore.

You can blog about several topics or you can blog about one specific thing, such as personal finance. For me, I cover a ton of different topics here on Making Sense of Cents. I talk about personal finance, life, travel, RVing, sailing, self-help, and more.

Some things that you may want to think about when choosing your blog topic include:

  • What are you passionate about? I always recommend that you start by thinking about what you love doing. Perhaps it’s a sport that you really love, crafts, cooking, managing money, travel, or something else. Whatever it is, blogging about your passion is great because that will show in your writing, and your readers will enjoy reading your posts.
  • What blogs do you enjoy reading? If you are thinking about starting a blog, I’m assuming it’s because you probably enjoy reading blogs yourself. If that’s the case, then you may want to think about which blogs you really enjoy reading and possibly blog about something similar.
  • What are you an expert in? Now, you don’t need to be an expert in your blog’s topic to earn money blogging (more on that below in the next section), but if you are an expert at something, then this could be a topic that you blog about. There are many successful “How-To” websites because people love to learn new things through blogs. And, there is probably something you could teach (everyone’s an expert at something, even if you don’t realize that yet!). Think about the questions your friends and family are always asking you about, topics that you enjoy helping others with, and so on.
  • What things do you like learning about? Like I said above, you don’t need to be an expert in a topic to blog about it. People LOVE reading blogs from people who are learning or trying new things. This is because everyone has to start somewhere, and people love following the journey and seeing how something is actually done. So, if you are learning how to earn money blogging, for example, that could be where you start your blog. You can write about all of your mistakes, talk about what you’ve learned, show how you have tried and reviewed different options, and so on.

To learn how to make money with a blog, your blog can be about anything and/or everything. It’s entirely up to you.

Below is a list of possible blog examples and blog topic ideas. The list doesn’t end here either. Choose one, all, or some. It’s all up to you.

  • Lifestyle
  • Home
  • Family
  • Finance
  • Crafts
  • DIY
  • Small business
  • Outdoor activities
  • Fitness and health
  • Food
  • Inspiration and advice
  • Animals
  • Travel
  • Games
  • Relationships
  • School
  • Electronics, and more!

That’s the beauty of having a blog – it can be about anything and you can still earn money from it.

There are a few topics I would avoid if you aren’t an expert, like blogging about legal issues, tax issues, or medical advice. You could get someone in a lot of trouble if you gave them the wrong information.

 

What is the best blogging platform to make money?

Your blog should be self-hosted if you want to earn money blogging. This is actually one of the first things you should do.

I recommend that you start on self-hosted WordPress (this tutorial will help you start your blog the correct way). I cannot say this enough, but I do not recommend Blogger or WordPress.com (you want the self-hosted version, which is WordPress.org – confusing, I know). Buying that $10 domain name from Blogger or GoDaddy does not mean you are self-hosted either.

Unless you self-host your blog, advertisers, companies, and readers will still know you are on Blogger or free WordPress, and that can look unprofessional. Plus, your blog can be deleted at any time and for no reason if you are using a free version, which actually happened to me. Even though you may save some money in the beginning, not being self-hosted can hurt your chances of earning money through your blog.

Seriously, just trust me. Go with self-hosted WordPress, and it will significantly increase your chances of monetizing your blog.

If you want further proof, take a look at my past income reports. You can tell that my blogging income didn’t take off until I switched to WordPress. That right there is a lot of proof that being self-hosted on WordPress is the way to go!

To recap, the positives of being self-hosted on WordPress through Bluehost include:

  • Your blog will look more professional meaning you will increase your chances of making money online.
  • You will have complete control over your blog.
  • You own your blog, and it can’t be deleted for any reason.

 

How do you design a blog?

To create your blog, I recommend heading to my tutorial: How To Start A WordPress Blog On Bluehost.

After that, you will have three options when it comes to designing your blog:

  1. Designing your blog on your own
  2. Paying someone to design your blog
  3. Purchasing a premade theme (the quickest option and surprisingly affordable)

I usually recommend that a new blogger purchase a premade blog design, such as through Beautiful Dawn Designs. She provides great premade designs for just $45 and this is probably the easiest and quickest design option.

 

How much do I have to spend before I can earn money blogging?

When I first started my blog, I spent almost NOTHING on blogging expenses.

I spent less than $100 the first year and not too much more in the second year.

In fact, I probably went a few years when I was only spending about 1%-2% of my revenues on blogging expenses.

Now, some of my expenses include:

  • My computer
  • The actual blog (design, hosting, etc.)
  • Courses, guides, and ebooks
  • My email (newsletter) list
  • Virtual assistant and editor
  • Technical management
  • Transaction fees

But, you do not need to spend money on all of these things to earn money blogging.

Learn more about my expenses at My Complete List of Monthly Expenses for a Multi Million Dollar Blog.

 

How many views do you need to make money blogging?

You do not need millions of pageviews per month to earn money blogging, but if you want to increase your income, it will be important to increase your page views.

Every blog is different, and it isn’t always the blogs with the largest number of readers that make the most money. That’s because once you understand what your readers want, understand how to effectively reach out to companies for partnerships, and know how to charge the correct rate, you can make a good income online in many cases, regardless of the amount of pageviews you receive.

But, if you want to increase your pageviews, here are my tips:

  1. Publish high-quality blog posts. Readers come back to blogs with high-quality and helpful posts. I recommend that your blog posts be at least 750 words, but more wouldn’t hurt either. The majority of my blog posts are around 1,500 to 3,000 words (this one is close to 5,000 words!).
  2. Be active on Pinterest. Pinterest is one of my top traffic sources. To increase your pageviews with Pinterest, I recommend creating great images, making sure the description and title of your images are catchy, pinning regularly, and only pinning long images. I use Picmonkey to edit all of my images and Tailwind to schedule them.
  3. Be active on other social media sites. Social media lets you interact with your audience more and can help you expand your audience. Besides Pinterest, you may want to check out Facebook, Twitter, TikTok, Instagram, Snapchat, Youtube, and others.
  4. Post regularly. If you want to earn money blogging, you should publish something at least once a week. Going for weeks or months at a time without a blog post can lead to readers forgetting about you.
  5. Network with other bloggers. You should look at other bloggers as friends and colleagues, not competition. This means you may want to interact with them on social media, reach out to them via email, attend conferences, and more. Of course, be genuine and give more than you take.
  6. Guest post. Guest posting is a great way to reach a new audience and helps build partnerships with other bloggers.
  7. Make sure it’s easy to share your content. I love sharing posts on social media, but it gets frustrating when some blogs make it more difficult than it needs to be. You should always make sure it’s easy for readers to share your content. This could mean making your social media icons easy to find, having all of the info input that is needed for sharing (title, link, and your username), and so on. Also, you should make sure that when someone clicks on one of your sharing icons the title isn’t in CAPS (I’ve seen this too many times). No one wants to share a blog post when it sounds like you’re screaming at them.
  8. Create catchy headlines. The title of your post is a major factor influencing whether readers click over or not. I like to use the CoSchedule Headline Analyzer to help me with my headlines.
  9. Learn SEO. SEO (search engine optimization) is not something I could teach in such a small section, but I recommend doing your research and learning more about what it is and how it can help you.
  10. Make it easy for readers to browse. If you want more pageviews, you should make it as easy as possible for readers to read your other blog posts. Readers should be able to easily find your blog homepage, categories, tags, search bar, and so on. Also, I recommend including links for related posts in every single one of your blog posts.

 

How often should I blog?

I recommend publishing a blog post at least once a week.

This is because consistency is important when it comes to blogging.

I started out publishing short blog posts a few times a week. Now, I try to do just one long blog post each week. I find that works best for me and Making Sense of Cents.

Others may decide to blog every single day, and some may try every other day. It all depends on what you would like to do.

 

How many blog posts should I have before launching?

I recommend simply just launching your blog with one blog post. You can continue to add more as you go.

I recommend this because you won’t have a ton of readers in the beginning anyways, so just getting started is going to be your best plan of action.

Too many people overthink this question, which just delays them from actually starting their blog.

 

What is the ideal length for a blog post?

The ideal length varies. I usually recommend that a blog post be at least 750 words.

For Making Sense of Cents, my blog posts are almost always at least 2,000 words, and I have written some huge whoppers (like this one) that are around 5,000 words too.

The ideal length for your article will depend on your niche, and the topic that you are writing about.

 

How do I get my blog noticed by Google?

For your blog to be found on Google search results, you’ll want to learn about Search Engine Optimization (SEO).

You can sign up for The SEO Starter Pack (FREE Video Training) – Level up your SEO knowledge in just 60 minutes with this FREE 6-day video training.

  • The exact template that helped my site earn $95,000 in affiliate income last year
  • How I grew my blog to over 80,000 page views a month in 14 months
  • How to Optimize a Blog Post for SEO

 

How long until a blog makes money?

This is a hard question to answer, and it’s also one of the most common questions I receive.

As you can tell from my past income reports, it took me nearly a year of blogging to start earning a few hundred dollars a month from my blog. After two years of blogging, I was earning several thousands of dollars a month, which was all on the side of my day job.

I know some bloggers who were making thousands of dollars a month after just a few months of blogging. There are bloggers out there who began a year or two after me and are making hundreds of thousands of dollars a month. There are also other bloggers who aren’t making any money at all.

As you can see, blogging is not a get-rich-quick scheme and there isn’t a timeline for when you will start to earn money blogging. However, if you are serious about it, you never know what it may turn into.

It all depends on you, the effort you put into your blog, whether you have the time to learn how to monetize your blog, and more.

 

How do blogs make money?

There are several ways to earn money blogging, including:

  • Affiliate marketing – I recommend signing up for 10 Easy Tips To Increase Your Affiliate Income to learn more
  • Blog sponsorships
  • Display advertising
  • Product sales
  • Staff writing

I go in depth on each way monetization method here – How To Earn Money Blogging: Your Top Questions Answered.

 

How do bloggers get paid?

Many of you are interested in blogging, but you aren’t sure where the income actually comes from.

How does the money actually get to you?

You receive blogging income from whoever is paying you.

  • If it is affiliate marketing you are providing, then you are paid by the company that makes the product or service. When someone buys something or signs up through your link, that’s when you get.
  • If someone is paying you to place an advertisement on your website, then you get paid by the company who you are advertising for.
  • If you are publishing a sponsored post, then you are paid by the company who is sponsoring that post.
  • If you have display ads on your website, such as with Google Adsense, then you are paid by Google or by any number of other companies.

There are many companies and blogging networks out there that you can use to earn money blogging, and they usually pay you through PayPal or with a check in the mail.

 

What blogging ebooks and courses do you recommend?

It takes a lot of work to grow and build a successful blogging business!

If you want to earn money blogging, then you may want to look into buying ebooks and/or courses that will teach you about the topics that will help you become a better blogger from the very beginning. Plus, there are many blogging secrets that you just can’t find by searching the internet. So, by taking a course or reading an ebook, you will learn the exact steps to take to help you succeed.

I’m almost always taking new blogging-related courses because I know that there is always something new to learn.

Here are the ebooks and courses that I recommend for bloggers:

  • Making Sense of Affiliate Marketing. I share my exact strategy and tips in this very informative online course. If you’re a blogger, then you NEED this course. I show you exactly how to make passive income from blogging, even while you’re sleeping.
  • 21 Strategies I Used to Increase My Monthly Page Views from 17k to 400k+ in 10 Months. Lena Gott’s guide is full of great information on how to increase your blog’s page views. If you are feeling stuck or if you are a new blogger, check out this resource! Lena went from 17,000 monthly page views to 400,000 and shares all of her best tips in this guide.
  • Making Sense of Sponsored Posts. I launched this course with my sister, Alexis of Fitnancials, in 2018 to help bloggers earn money through sponsored posts. Between the two of us, we earn around $20,000-$30,000 a month from sponsored posts. We teach finding sponsorship deals, maintaining partnerships, and how to always make sure that you are helping your readers.
  • My favorite Pinterest course is Pinterest Traffic Avalanche. This course shows you how to get free traffic from Pinterest to your blog. You’ll learn about Pinterest SEO, how to set up Rich Pins, how to create viral content, how to make Pinterest images, all about group boards, and many other valuable Pinterest strategies.
  • If you want to learn about Facebook ads, I recommend reading How One Blogger Grew His Blog to Over 2 Million Visitors In A Year.

The blogging ebooks and courses above will help you to create a successful blog. They will show you how to master Facebook, get crazy traffic from Pinterest, grow your blogging income, and more.

 

If blogging is so great, then why doesn’t everyone do it?

I hear questions like this pretty often. I also get a lot of people asking me, “If it’s so easy, why don’t you just start multiple blogs and make even more money?”

Blogging is not printing money.

It’s not a scam, and it’s not a get-rich-quick scheme.

Learning how to earn money blogging is work, and just like with all jobs – not everyone wants what you want.

And, for every successful blog out there, there are probably hundreds of bloggers who will never earn money blogging. While you can earn money blogging, not all bloggers will.

It would be like saying that 100% of people who start a business will see success. That is just never going to happen – businesses fail, business owners have a change of heart, and others just don’t find it enjoyable.

I know I am always talking about the positives of blogging, but I also like to mention how it’s not the easiest.

After all, if blogging was easy, then everyone would do it and everyone would make thousands of dollars a month.

But as you know, that’s not the case.

Not everyone is going to earn money blogging because it is WORK! Most new bloggers quit just a few months in. A few months is not enough time to see if your blog will be successful. It took me six months before I started to earn money blogging, and I only earned $100. Now, I have made over $5,000,000 from my blog over the years.

It’s funny/weird to think about what life would be like if I would have quit back then.

Just like you, I went from asking “what is a blog?” to where I am now. And, I’m constantly learning new things about blogging and that is one of the reasons why I enjoy it so much.

Once you realize that blogging is hard, you will be ahead of 99% of everyone else in the game. Don’t assume, like most people do, that blogging is easy money.

Starting a blog can be difficult. But, all bloggers start at the same point.

I remember being so lost when I first started my blog. I had to learn everything the hard way – it sure was difficult at times.

But, I have always really enjoyed blogging. I think that is so important when it comes to this type of business – you either need to have passion in your blog and/or passion in what your blog allows you to do in your free time (such as travel or spending more time with your family).

 

Have other blogging questions?

Don’t fret!

I have other blog posts similar to this one where I have answered many other blogging questions.

Please head to How To Earn Money Blogging: Your Top Questions Answered for answers to questions such as:

  • How does a blogger network with other bloggers?
  • What processes do you have with new blog posts?
  • In what ways can I start making money from a blog?
  • What is affiliate marketing?
  • What are sponsored posts?
  • What is display advertising?
  • Can I create my own product to sell on my blog?
  • Do you have to pay taxes on blogging income?
  • Where do you get your photos from?
  • Why do I need an email list for my blog?
  • How do you think of ideas for new blog posts?

I was going to include all of those questions here but that would have made this blog post well over 10,000 words!

What other questions do you have about blogging?

The post What Is A Blog, How Do Blogs Make Money, & More appeared first on Making Sense Of Cents.

Source: makingsenseofcents.com

An Overview of Filial Responsibility Laws

Father in a wheelchair and son outsideTaking care of aging parents is something you may need to plan for, especially if you think one or both of them might need long-term care. One thing you may not know is that some states have filial responsibility laws that require adult children to help financially with the cost of nursing home care. Whether these laws affect you or not depends largely on where you live and what financial resources your parents have to cover long-term care. But it’s important to understand how these laws work to avoid any financial surprises as your parents age.

Filial Responsibility Laws, Definition

Filial responsibility laws are legal rules that hold adult children financially responsible for their parents’ medical care when parents are unable to pay. More than half of U.S. states have some type of filial support or responsibility law, including:

  • Alaska
  • Arkansas
  • California
  • Connecticut
  • Delaware
  • Georgia
  • Indiana
  • Iowa
  • Kentucky
  • Louisiana
  • Massachusetts
  • Mississippi
  • Montana
  • Nevada
  • New Jersey
  • North Carolina
  • North Dakota
  • Ohio
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Dakota
  • Tennessee
  • Utah
  • Vermont
  • Virginia
  • West Virginia

Puerto Rico also has laws regarding filial responsibility. Broadly speaking, these laws require adult children to help pay for things like medical care and basic needs when a parent is impoverished. But the way the laws are applied can vary from state to state. For example, some states may include mental health treatment as a situation requiring children to pay while others don’t. States can also place time limitations on how long adult children are required to pay.

When Do Filial Responsibility Laws Apply?

If you live in a state that has filial responsibility guidelines on the books, it’s important to understand when those laws can be applied.

Generally, you may have an obligation to pay for your parents’ medical care if all of the following apply:

  • One or both parents are receiving some type of state government-sponsored financial support to help pay for food, housing, utilities or other expenses
  • One or both parents has nursing home bills they can’t pay
  • One or both parents qualifies for indigent status, which means their Social Security benefits don’t cover their expenses
  • One or both parents are ineligible for Medicaid help to pay for long-term care
  • It’s established that you have the ability to pay outstanding nursing home bills

If you live in a state with filial responsibility laws, it’s possible that the nursing home providing care to one or both of your parents could come after you personally to collect on any outstanding bills owed. This means the nursing home would have to sue you in small claims court.

If the lawsuit is successful, the nursing home would then be able to take additional collection actions against you. That might include garnishing your wages or levying your bank account, depending on what your state allows.

Whether you’re actually subject to any of those actions or a lawsuit depends on whether the nursing home or care provider believes that you have the ability to pay. If you’re sued by a nursing home, you may be able to avoid further collection actions if you can show that because of your income, liabilities or other circumstances, you’re not able to pay any medical bills owed by your parents.

Filial Responsibility Laws and Medicaid

Senior care living areaWhile Medicare does not pay for long-term care expenses, Medicaid can. Medicaid eligibility guidelines vary from state to state but generally, aging seniors need to be income- and asset-eligible to qualify. If your aging parents are able to get Medicaid to help pay for long-term care, then filial responsibility laws don’t apply. Instead, Medicaid can paid for long-term care costs.

There is, however, a potential wrinkle to be aware of. Medicaid estate recovery laws allow nursing homes and long-term care providers to seek reimbursement for long-term care costs from the deceased person’s estate. Specifically, if your parents transferred assets to a trust then your state’s Medicaid program may be able to recover funds from the trust.

You wouldn’t have to worry about being sued personally in that case. But if your parents used a trust as part of their estate plan, any Medicaid recovery efforts could shrink the pool of assets you stand to inherit.

Talk to Your Parents About Estate Planning and Long-Term Care

If you live in a state with filial responsibility laws (or even if you don’t), it’s important to have an ongoing conversation with your parents about estate planning, end-of-life care and where that fits into your financial plans.

You can start with the basics and discuss what kind of care your parents expect to need and who they want to provide it. For example, they may want or expect you to care for them in your home or be allowed to stay in their own home with the help of a nursing aide. If that’s the case, it’s important to discuss whether that’s feasible financially.

If you believe that a nursing home stay is likely then you may want to talk to them about purchasing long-term care insurance or a hybrid life insurance policy that includes long-term care coverage. A hybrid policy can help pay for long-term care if needed and leave a death benefit for you (and your siblings if you have them) if your parents don’t require nursing home care.

Speaking of siblings, you may also want to discuss shared responsibility for caregiving, financial or otherwise, if you have brothers and sisters. This can help prevent resentment from arising later if one of you is taking on more of the financial or emotional burdens associated with caring for aging parents.

If your parents took out a reverse mortgage to provide income in retirement, it’s also important to discuss the implications of moving to a nursing home. Reverse mortgages generally must be repaid in full if long-term care means moving out of the home. In that instance, you may have to sell the home to repay a reverse mortgage.

The Bottom Line

elderly woman in a wheelchair outsideFilial responsibility laws could hold you responsible for your parents’ medical bills if they’re unable to pay what’s owed. If you live in a state that has these laws, it’s important to know when you may be subject to them. Helping your parents to plan ahead financially for long-term needs can help reduce the possibility of you being on the hook for nursing care costs unexpectedly.

Tips for Estate Planning

  • Consider talking to a financial advisor about what filial responsibility laws could mean for you if you live in a state that enforces them. If you don’t have a financial advisor yet, finding one doesn’t have to be a complicated process. SmartAsset’s financial advisor matching tool can help you connect, in just minutes, with professional advisors in your local area. If you’re ready, get started now.
  • When discussing financial planning with your parents, there are other things you may want to cover in addition to long-term care. For example, you might ask whether they’ve drafted a will yet or if they think they may need a trust for Medicaid planning. Helping them to draft an advance healthcare directive and a power of attorney can ensure that you or another family member has the authority to make medical and financial decisions on your parents’ behalf if they’re unable to do so.

Photo credit: ©iStock.com/Halfpoint, ©iStock.com/byryo, ©iStock.com/Halfpoint

The post An Overview of Filial Responsibility Laws appeared first on SmartAsset Blog.

Source: smartasset.com

How to Increase Your Earning Potential

Every year presents new lessons we should incorporate on this life journey, and this one, in particular, is no exception. In a world that is ever-changing one thing that has to remain the same is our ability to pivot when necessary. Whenever life challenges arise, we often make changes and shift out of force rather than free choice. While this logic can be applied to every aspect of our lives it’s an especially crucial concept as it relates to our finances. There’s no need to wait until your employer needs to decrease headcount or reduce work hours to jumpstart your rediscovery process. Make the decision today that no matter what happens within the economy, you are making the strides to guarantee your earning power doesn’t rest in the hands of someone else.

Set yourself apart and strengthen your skills

Often times, the number one thing you can do before executing plans of any kind is focus on strengthening your skills. Are others able to depend on you?  If you desire to run your own business or be a high-performing, contributing employee – are you reliable? Being able to breakdown complex situations and produce viable solutions, paying special attention to detail, and asking the right questions at the right time are skills that many often have, but have yet to master. Focusing on any skills that may come naturally to you while achieving mastery, in the long run, will absolutely contribute to the opportunities you are afforded over other candidates. It’s not about competition, because what’s for you won’t pass you by. It’s about actively showcasing you are indeed the best candidate with the physical results to prove it.

Seek out new opportunities and expand your skillset

People believe there are only a few ways to bring in additional income – one being a side hustle. This isn’t necessarily the case. Seeking out opportunities within your current or new place of employment can be just what you need to make substantial strides in increasing your earnings as well as visibility. Make yourself familiar with the Human Resources policies for promotions and role transitions. Look into if there are side projects you can add to your workload that can increase your skillset while being introduced to a new audience of people; consider exploring that. Be sure to document the pros and cons of the newly added responsibilities while making sure it aligns with where you ultimately want to be. Don’t shy away from having a conversation with your manager and making your goals known.

Ask for more (and quantify it)

Employers have mid-year and end of year reviews to go over performance goals and ensure the work you’ve done over time aligns with the responsibilities of the team as well as the company. While this is protocol, as an employee you don’t have to wait until this designated time to discuss career goals. Not only does this conversation create awareness between you and your manager – it allows them to understand your desire for more. I’m sure we’ve all had less than desirable bosses, coworkers, and teams. We’ve also been in situations where we know that the work required of us was so much more than the actual amount of money we were taking home. To avoid the unfortunate cycle of being overworked and underpaid that many fall into, have an open and candid conversation with management. Be sure to quantify every task and tie a metric to it if possible. This helps to build your professional story while also making sure your resume stays current for all new opportunities as they arise.

Start a side hustle

When your friends, family, or peers often ask you to complete something and you enjoy doing it; what is that ‘thing’? What talents do you innately have that seem as if it doesn’t require a huge amount of effort? The answers to these questions should birth the idea of your new side hustle. As daunting as it may sound, take the time to loosely create a plan. Remember, this is scalable! Go at the pace that is most comfortable for you and can transition well into your lifestyle. Solicit the help of family and friends while using your larger network to advertise your talent. Social media and word of mouth can go a very long way – use all outlets to promote yourself and your services.

Never underestimate the power of networking

We all have a comfort zone and typically stay within those walls on a regular basis unless probed. However, do you consider the opportunities that could be available to you by adding several new people to your network? Utilize employee resource groups at your place of employment, various professional networks in your local cities, and other organizations that have a virtual platform. Do a quick Google search based on your preferred industry and start the journey of expanding your network. There’s a very familiar phrase we’ve all heard at some point, “it’s not what you know, it’s who you know.” LinkedIn is a great social media platform to engage with professionals all over the world on various subject matters and topics. Don’t be afraid to put yourself out there and make the connections that could lead you to new opportunities.

Become a lifelong learner

Make a commitment to yourself that no matter what happens, you will always seek knowledge, no matter the method. Explore personal and professional learning opportunities. This may be pursuing an advanced degree to expand opportunities. For others, it can be obtaining a certification within your desired field to land a better position – resulting in a salary increase. If either of those doesn’t sound appealing or fit within your current life circumstances, you can always attend conferences, listen to webinars, podcasts, and so many other cost-effective (or free) learning channels to keep your skills in top shape. This could be listening to an audible book while driving in your car or reading a new article every day related to your industry before getting your day started – learning is limitless!

The post How to Increase Your Earning Potential appeared first on MintLife Blog.

Source: mint.intuit.com

8 Fun and Easy DIY Moisturizers

Petroleum Jelly

Once a month, cover your hands in petroleum jelly or thick hand cream, then slip them into some soft cotton gloves for the night. In the morning, your skin will have absorbed all the cream, leaving you with the smoothest, softest hands you’ve ever had. You can also soften your feet the same way (use socks rather than gloves, of course).

Apricot Scrub

Apricot kernel oil, available at vitamin and health-food stores, is rich in vitamins A and E and is an excellent moisturizer. Combine two tablespoons of it with a half cup of brown sugar and two tablespoons of lemon juice for an exfoliating—and hydrating—hand scrub. Massage well into hands, then rinse.

Rosewater-Honey Rub

For rough patches on the hands and feet, try this rub scented with rosewater, which has been used for centuries to soothe irritated skin and is thought to help regenerate skin tissue. Whisk together two tablespoons of it, along with one tablespoon of honey, one tablespoon of apricot kernel oil, and one tablespoon of lemon juice, in a small bowl. To use, rub onto rough patches on the hands and feet, then rinse.

Olive Oil Scrub

We love this olive oil scrub for its simplicity and effectiveness! In a small bowl, add a quarter cup of olive oil and enough sugar to make a damp, runny mixture. Rub it into your hands or feet, then rinse for smooth, moisturized skin.

Dry Rub

In a small bowl, stir together a quarter cup of flaxseed or almond meal and a quarter to a half teaspoon of olive oil. The mixture will be just barely damp. Rub well into dry, rough patches on your feet, then rinse.

Sea Salt

You can pay a lot of money for a fancy sea salt scrub, or you can make your very own version in just a few minutes. Sea salt contains natural minerals not present in regular table salt. It also helps remove dead skin cells and other toxins present in the skin. In a small bowl, add one cup of sea salt and just enough olive oil to make a slightly runny mixture—you don’t want it to be too loose. Rub into dry hands and feet for several minutes before rinsing off.

Sugar

Try this quick hand scrub that combines the exfoliating power of sugar and the lactic acid in sour cream. Mix one tablespoon of sugar and one tablespoon of sour cream together, and rub into hands for a minute or two. Rinse to reveal soft, smooth skin.

Buttermilk-Almond

Try this overnight hand mask to gently remove dead skin cells. Whisk together a half cup of buttermilk and one tablespoon of almond oil in a small bowl. Submerge your hands completely, remove, and allow to dry. Then cover your hands with cotton gloves and leave on overnight. In the morning, rinse your hands well to reveal brighter skin. 

For more all natural remedies from all around the internet, check out our Health and Beauty Tips board on Pinterest. And don’t forget to sign up for our newsletter and follow us on Facebook and Instagram! 

Image courtesy of Shutterstock.

Source: quickanddirtytips.com

Should You Make Payments During Coronavirus Student Loan Deferment?

As Americans grappled with the financial consequences of the pandemic in March of this year, the federal government took several actions to help cash-strapped consumers. For starters, Congress passed the Coronavirus Aid, Relief, and Economic Security (CARES) Act in late March of 2020, which included a temporary suspension of payments and interest for government-owned student loans through the end of September 2020.

Beyond just suspending payments and interest, the act also halted all collections activities on federal student loans. Americans pursuing Public Service Loan Forgiveness (PSLF) would see these non-payment months counted toward the 120 months of payments needed to have their loans forgiven. 

You can continue making payments on your federal student loans during the deferment period if you want to. Whether you should, depends on your goals and your situation.

This announcement was a huge relief for Americans with student debt since it meant they could pause federal student loan payments without accruing interest or facing penalties for several months. And recently, this assistance was extended for the remainder of 2020.

About the Student Loan Deferment Order

According to a memorandum from the White House, this extension intends to “provide such deferments to borrowers as necessary to continue the temporary cessation of payments and the waiver of all interest on student loans held by the Department of Education until December 31, 2020.”

What does this mean for borrowers? The extension of this order means that those with federally owned student loans (not private student loans) can continue skipping payments for the duration of 2020. Interest won’t accrue on federal student loans during this time, and penalties won’t come into effect for those who choose to defer loan payments.

How Does This Help Student Loan Borrowers?

Although unemployment numbers have improved since the summer, the initial pause on federal student loan payments was of massive help for borrowers struggling with job loss or a loss in pay. After all, getting a break from student loan payments made room for funds to go toward other household needs and bills. Keep in mind that the average student loan payment is approximately $393 for all borrowers, but that many with advanced degrees pay significantly more than that every month.

When the Presidential action was released, it was unclear whether borrowers pursuing PSLF will still receive credit for non-payment months. However, a U.S. Department of Education press release clarified that PSLF borrowers would, in fact, receive credit toward loan forgiveness as if they’d made on-time payments.

Just keep in mind that this order does not apply to consumers with private student loans. Only federal student loans qualify for this protection, although some private student loan companies are offering their own separate deferment options to consumers who can show financial hardship.

Pros and Cons of Making Payments During Automatic Deferment

One interesting detail from this order is buried in the fine print:

“All persons who wish to continue making student loan payments shall be allowed to do so, notwithstanding the deferments provided pursuant to subsection (a) of this section.”

In summary, you can continue making payments on your federal student loans during the deferment period if you want to. Whether you should, depends on your goals and your situation.

Benefits of Making Loan Payments 

If you haven’t faced a loss in income, then you might be tempted to continue making payments on your student loans. The benefits of doing so include:

  • Paying down your student loan debt faster. The Department of Education says that, through the end of 2020, “the full amount of your payments will be applied to principal once all the interest that accrued prior to March 13 is paid.” This means that every cent thrown toward your loans right now applies to your loan balance, quickly reducing your student debt on a dollar-for-dollar basis.
  • Saving money on interest. Because of the way interest accrues on student loans and other debts, reducing your balance will automatically save you money on interest over the long haul. The more you pay toward your student loans now, the more money you save.

Disadvantages of Making Loan Payments

There are a few potential downsides to making student loan payments when they’re not required. Plus, borrowers with certain types of student loans should not be making payments right now. 

Here are a few considerations to keep in mind.

  • You may need the money later on. Even if your income is fine right now, the financial fallout from the pandemic is far from over. If you choose to make student loan payments through the end of the year and lose your job in a few months, you might wish you had saved that extra cash instead. 
  • Those pursuing PSLF shouldn’t make payments. If you’re pursuing PSLF, then this deferment period is counted toward the 120 on-time payments you need for loan forgiveness. If you continued making payments through the end of the year, you would be throwing money down the drain.
  • Most borrowers on income-driven repayment plans have little incentive to make payments. If you’re on an income-driven repayment plan like Pay As You Earn (PAYE) or Income Based Repayment (IBR), then your loan payment is only a percentage of your discretionary income, and your loans will be forgiven after 20-25 years of on-time payments. Borrowers who aim to have their loans forgiven after 20-25 years anyway should skip payments through the end of the year and set aside their cash for a rainy day instead.

The Bottom Line

Individuals who want to pay off their loans quickly would be smart to pay as much as they can, but only if they can afford it. It also makes sense to be cautious about any extra income you have for the time being. After all, more economic pain may be on the way, and it’s possible you could face a loss in income later in the year.

Without any interest accruing on federally owned student loans during this historic forbearance, however, you could always put your student loan payments into a high-yield savings account until the end of the year. At that point, you can assess your financial situation and make a large, lump sum payment toward your loans if you want.

This strategy creates a greater safety net for the remainder of 2020 while also paying down debt faster with a large payment before the end of December. Run the numbers and make sure you have a plan (and a back-up plan) in place.

The post Should You Make Payments During Coronavirus Student Loan Deferment? appeared first on Good Financial Cents®.

Source: goodfinancialcents.com

How to Escape Debt in 2016

How to Escape Debt in 2016

The new year is right around the corner and if you’re like most people, you’ve probably got a running list of resolutions to achieve and milestones to reach. If getting out of debt ranks near the top, now’s the time to starting thinking about how you’re going to hit your goal. Developing a clear-cut action plan can get you that much closer to debt-free status in 2016.

1. Add up Your Debt

You can’t start attacking your debt until you know exactly how much you owe. The first step to paying down your debt is sitting down with all of your statements and adding up every penny that’s still outstanding. Once you know how deep in debt you are, you can move on to the next step.

2. Review Your Budget

A budget is a plan that sets limits on how you spend your money. If you don’t have one, it’s a good idea to put a budget together as soon as possible. If you do have a budget, you can go over it line by line to find costs you can cut out. By eliminating fees and unnecessary expenses like cable subscriptions, you’ll be able to use the money you save to pay off your debt.

3. Set Your Goals

How to Escape Debt in 2016

At this point in the process, you should have two numbers: the total amount of money you owe and the amount you can put toward your debt payments each month. Using those two figures, you should be able determine how long it’s going to take you to pay off your mortgage, student loans, personal loans and credit card debt.

Let’s say you owe your credit card issuer $25,000. If you have $500 in your budget that you can use to pay off that debt each month, you’ll be able to knock $6,000 off your card balance in a year. Keep in mind, however, that you’ll still need to factor in interest to get an accurate idea of how the balance will shrink from one year to the next.

4. Lower Your Interest Rates

Interest is a major obstacle when you’re trying to get out of debt. If you want to speed up the payment process, you can look for ways to shave down your rates. If you have high-interest credit card debt, for instance, transferring the balances to a card with a 0% promotional period can save you some money and reduce the amount of time it’ll take to get rid of your debt.

Refinancing might be worth considering if you have student loans, car loans or a mortgage. Just remember that completing a balance transfer or refinancing your debt isn’t necessarily free. Credit card companies typically charge a 3% fee for balance transfers and if you’re taking out a refinance loan, you might be on the hook for origination fees and other closing costs.

5. Increase Your Income

How to Escape Debt in 2016

Keeping a tight rein on your budget can go a long way. But that’s not the only way to escape debt. Pumping up your paycheck in the new year can also help you pay off your loans and increase your disposable income.

Asking your boss for a raise will directly increase your earnings, but there’s no guarantee that your supervisor will agree to your request. If you’re paid by the hour, you can always take on more hours at your current job. And if all else fails, you can start a side gig to bring in more money.

Hold Yourself Accountable

Having a plan to get out of debt in the new year won’t get you very far if you’re not 100% committed. Checking your progress regularly is a must, as is reviewing your budget and goals to make sure you’re staying on track.

Photo credit: Â©iStock.com/BsWei, ©iStock.com/marekuliasz, ©iStock.com/DragonImages

The post How to Escape Debt in 2016 appeared first on SmartAsset Blog.

Source: smartasset.com